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"You are not paying extra on your policy to have him/her as a driver..."

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Insurance companies want to know about all licensed household members (it does not matter if they are young or old) so they can calculate their potential risks for having you and these drivers covered by your insurance policy. When you purchase liability insurance (which every auto insurance policy has), there is a law that requires insurance companies to cover all household members who have a drivers license. Most all insurance companies will require that you either add licensed household members to the policy or exclude them. This is because as household members it is assumed they have access to your vehicles and may drive them at any time. These drivers are thus a risk/rating factor to be taken into consideration.
Many state laws require it, and your policy contract has in it terms that say you must inform them of licensed drivers dwelling in your household, so that they can add him as a driver to your policy and rate accordingly or exclude him. Excluding anyone from your car insurance would mean that you are not paying extra on your policy to have him/her as a driver and thus they are not extended any coverage by your insurance policy if they were to drive your car and be in an accident, even if it were an emergency situation.
So most insurance companies will require you to place the non-relative household member on your insurance policy as a driver if he is licensed. All licensed household members are normally required to be listed as a driver or excluded on an auto insurance policy by the insurance provider.
If you have a licensed household member, whether a relative, roommate, etc, the insurer believes that the person will have access to your vehicle and thus is a rating factor that should be on your insurance policy. If the person really is not going to drive the insured vehicle then there should not be an issue with excluding them. Without you signing off on the exclusion the insurance company cannot really believe that a licensed household member may not drive your car.
State laws differ however. Typically, insurance companies are allowed to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to the operation of the vehicle by anyone in your household.
The perceived risk for non-household members by an insurance company is different and that is why you can normally let a friend that does not live with you borrow your vehicle without adding him or her to your policy.
A friend may occasionally borrow your car and be covered by your insurance because they do not have regular access to your car and thus are not rated as a risk factor on your policy. If you do have someone outside of the household that regularly drives your car then normally an insurance carrier usually would also want this person listed an occasional driver so they would be properly covered in an accident.

"To the high risk section of the insurance policy.your credit wont be affected as..."

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As far as his low gpa that is what some insurance companies use to give students a discount(high gpa).if he has an accident it will not affect your or your husbands personal driving recors but will affect the cost of your insurance as long as he is in the household(raise it). also by just putting him on it it will raise as he is an inexperinced driver and assigned to the high risk section of the insurance policy.your credit wont be affected as long as you make allthe payments on time.the violations will only go on his license but they will affect your policy(insurance) as long as he is in the household and has access to the vehicle.it is always a gamble to put teens on you r insurance but most cannoyt afford it on their own.your policy will go up.

It depends on the policies of the insurance companies.If you have group insurance then your daughter may be covered under your insurance.But in some states it is not possible ,you have to check first.You can also check the latest quotes online for more information at yahoo and msn.If you daughter is not covered on auto insurance then go to the insurance company and take information .

"You must ask this question to the insurance company that 18 year old has..."

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I think that you must ask this question to the insurance company that 18 year old has a covered auto insurance policy.I think that 18 year old is not covered by auto insurance policy, as it depends on the policies of the insurance company. But according to law 18 years old is able for auto insurance.

It depends on the insurance company if there is any policy which include that you can add your son in your own policy in some of the auto insurance companies you can cover your son in your own policy you have to contact your insurance company and talk to them about adding your son on your policy.

My opinion is that you must ask this question to the insurance company that 18 year old has a covered auto insurance policy.I think that 18 year old is not covered by auto insurance policy,as it depends on the policies of the insurance company.I hope my answer will help you a lot.

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